TOP TEN REASONS TO DISCUSS YOUR FORECLOSURE CASE WITH A REAL ESTATE AND BANKRUPTCY LAWYER

By
Real Estate Attorney with The Law Offices of Steven C. Vondran, P.C. Attorney at Law

Are you facing foreclosure and need to understand your options? Why not consult with a foreclosure and real estate lawyer 
and explore your option and get a game plan? If you are facing foreclosure, do not trust your lender or loan servicer, that is mistake #1.

San Francisco Foreclosure Lawyer

If you are facing foreclosure, don't wait until the last minute to decide what you are going to do or to determine what your options are.  A simple one hour consultation with a Foreclosure, Bankruptcy and Real Estate Attorney can help you determine:

(1) Whether a loan modification or loan work out will be possible/feasible

(2) Whether a Chapter 7 or Chapter 13 Bankruptcy may be right for you

(3) Whether you should be looking at other loss mitigation solutions like a short sale, or deed-in-lieu of foreclosure.

(4) What impact these will have on your credit / credit repair options

(5) Do you have any deficiency judgment liability?  Who do you deal with that?

(6) Do you have a good case for predatory lending or truth in lending rescission / elder abuse?  When do you use a lis pendens?

(7) Do you understand the foreclosure timeline (notice of default / notice of sale) and can you get an injunction?

(8) Do you have issues with your chain of title (MERS loans / Assignments of Deed of Trust issues / Substitution of Attorney issues / Robosigners)?

(9) Can you use "produce the note" or UCC presentment defense in Bankruptcy court?

(10) What is "cash for keys" and how can you get it?

These are some of things to think about.  DO NOT BE LULLED INTO A FALSE SENSE OF SECURITY TRUSTING EVERYTHING YOUR LENDER OR LOAN SERVICER IS TELLING YOU.  THEY WANT YOU TO BELIEVE YOU ARE GETTING A LOAN MODIFICATION OR A TRIAL PLAN MODIFICATION SO THAT YOU WILL KEEP MAKING PAYMENTS TO THEM RIGHT UP TO THE END.

THEY HAVE NO PROBLEM FORECLOSING ON YOU IN THE MIDDLE OF A LOAN WORKOUT PROCESS, AND EVEN THESE SELF-IMPOSED MORATORIUMS ARE NOT TO BE TRUSTED.  WE HAVE HEARD THEY WILL SELL YOUR NOTE TO ANOTHER PARTY WHILE THEY FORECLOSE.

SO, FIND OUT YOUR OPTIONS NOW, BEFORE THE HOUSE IS SOLD.  ONCE YOUR HOUSE IS SOLD GOOD LUCK GETTING IT BACK.  THAT IS A VERY DIFFICULT FEAT, ESPECIALLY IF YOU WERE IN DEFAULT WHEN THE HOUSE WAS SOLD.  THIS IS THE LENDER "SUCKER-PUNCH YOU NEED TO BE AWARE OF

FOR MORE INFORMATION, OR TO SET A CONSULTATION FILL OUT OUR INFORMATION SHEET AT HTTP://WWW.ATTORNEYSTEVE.NET

OR, YOU CAN CALL US AT (877) 276-5084.

This is an advertisement and communication pursuant to state bar rules.  We are only licensed, and only serve, commercial and residential property owners and debtors in California and Arizona.  We are a debt relief agency and help people file for bankruptcy protection under the Bankruptcy Code.

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Rainmaker
526,160
Dave Halpern
Keller Williams Realty Louisville East (502) 664-7827 - Louisville, KY
Louisville Short Sale Expert

Steve,

You are right. Most of my short sale clients have been strung along by the banks for months or even a year. The time to act is now.

Oct 31, 2010 06:01 AM #1
Ambassador
2,305,570
1~Judi Barrett
Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

Always good advice.  If I was facing foreclosure I would be asking my attorney many questions.

Feb 21, 2011 01:03 PM #2
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Rainmaker
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Steve Vondran

IP & Real Estate Lawyer
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